116 3rd St SE
Cedar Rapids, Iowa 52401
We are not financial advisers or tax consultants, therefore the information presented in this article should not be constituted as financial advice or tax advice. Financial advisers advise where to invest assets that in turn are subjected to market gains and losses. We, on the other hand, protect assets by placing them where they can grow safely. We are insurance advisers.
At Safe Money Solutions, we are educators first. As consumers, people are constantly being bombarded with information and advice from all different directions, whether it be from family, friends, TV, radio, internet, or other professionals. When beginning to work with clients, we educate and shift the mindset to focus on a new set of rules to relearn how money really works.
At Safe Money Solutions, we take a holistic approach by looking at the person, not just the financials. We are no different from a medical specialist, whose primary objective is to diagnose and treat using appropriate medication dosages and treatments. As an insurance specialist, we diagnose and treat potential underlying risk exposures with appropriate insurance solutions that can mitigate or eliminate potential risks.
Our goal is to put clients in a safer situation by protecting them from future surprises. Our clients have the control to mitigate their risks, whether it be financial risk (stock market loss risk), longevity risk (out living assets), Social Security risk (potential future reduction of benefits), pension risk (possible reductions or loss of benefits), tax risk (risk of taxes increasing), inflation risk (prices increasing), legacy risk (leaving less assets to future generations), legal risk (risk of legal actions and legal documents in order), identity risk (risk of identity being compromised), property risk (risk of damage or injury) or health risk (risk of deteriorating health). There are insurance solutions that will protect against all these risks.
Are You a Financial Adviser?
We are not financial advisers because we don’t give financial advice about ways to invest money. We offer no investment vehicles that put assets at risk. We are insurance advisers who help you protect your financial assets, the growth of assets and the assets that provide you with streams of income.
How Do We Protect Clients?
Why do you currently insure your house, vehicles, health, and your life? Is it because you are planning on having a fire, an accident, getting sick or graduating? Technically, you don’t need home insurance if your home is paid off, car insurance if your car is paid off, health insurance if you’re healthy, life insurance if you have no debts or obligations. Yet, you have most of these insured. You have them insured because of the “What ifs?” in life. What if you have a house fire, what if you have a car accident, what if your health deteriorates or what if you die prematurely? If you protect all these things, why don’t you protect your financial assets?
We provide safe money solutions to our clients by repositioning assets into insurance-based policies such as annuities or life insurance. These solutions are contractually guaranteed to never lose money regardless of market conditions, political environment or worldly events. We have solutions available to everyone and businesses that provide guaranteed growth, create tax-free wealth and produce guaranteed lifetime income. As a result of putting these solutions in place today, clients can legally and ethically reduce or even eliminate taxes.
What is Insurance and Why Would I Put Money in an Annuity or Life Insurance Policy?
The word insurance, and more specifically, annuity and life insurance have a negative connotation to some people. These words should offer a sense of security and peace of mind.
What is insurance? According to Merriam-Webster.com, insurance is defined as, “The business of insuring persons or property” or “A means of guaranteeing protection of safety.”
What is an annuity? According to Merriam-Webster.com, an annuity is defined as, “A contract or agreement providing a sum of money at regular intervals. A common example is the payment received by retirees from a pension plan.” Social Security benefits are considered a life only annuity because they provide guaranteed income payments over one’s lifetime. All annuities are a type of insurance, but not all annuities are created equal. The annuities we discuss protect principal and provide guaranteed growth and income.
What is life insurance? According to Merriam-Webster.com, life insurance is “Insurance providing for payment of a stipulated sum to a designated beneficiary upon death of the insured.” Safe Money Solutions help clients secure finances for themselves and loved ones with the life insurance tax-free benefits.
Safe Money Solutions offer solutions to clients so clients can protect against financial risk, longevity risk, inflation risk and tax risk. We are able to do this through the use of products such as annuities and life insurance.
Why Are Safe Money Solutions Important?
An important question we ask clients in our first discussion is, “Do you think taxes are going to go up or down in the future?” For those who said “down,” you may want to reconsider after checking out the National Debt Clock at usdebtclock.org. The U.S. national debt has surpassed $30 trillion. This is the figure that is reported through the media. This is a fact, but it’s only one-third of the fact. The same website states that the U.S.’s unfunded liabilities are nearing $165 trillion.
How can there be a difference of $135 trillion? The unfunded liabilities are debts that do not have the necessary funding to cover future obligations that are currently on the book. Unlike states, which must balance budgets yearly, the U.S. government doesn’t have to balance budgets; thereby creating a deficit.
How will the U.S. pay down the national debt? The two most obvious solution of reducing national debt is by increasing taxes and reduce spending. Therefore, we help clients find solutions that will mitigate or eliminate taxes by transitioning from taxable assets to tax-free assets.
Warren Buffett once said, “The first rule of an investment is don’t lose [money]. The second rule of an investment is don’t forget the first rule. And that’s all the rules there are.”
Sponsored by Safe Money Solutions
5250 N Park Pl. NE SUITE 101
Cedar Rapids, IA 52402
319-249-5556 • 1-800-381-5800
Online at safemoney123.com